Why AI Can’t Pick Your 401(k) Mutual Funds
Everyone keeps saying AI will replace financial advisors.I know one place it stumbles.Figuring out “what to buy” on a default 401(k) mutual fund menu. Ask AI to summarize mutual fund data.It’s flawless.And fast. Ask a clean question about picking your best 401(k)...
How 401(k) Losses Really Work
Most Individual 401(k) investors don’t realize.How much harder it is to recover 401(k) losses.Than it is to avoid them in the first place. A big 401(k) loss requires an even bigger gain.To “get back to even.” Here’s a simple scenario in real numbers: • You have...
The Biggest 401(k) Mistake Happens After the Market Drops
Most 401(k) investors don’t fail because of the stock market.They fail because of their mutual fund decisions. Let me give you a real story.From my 42+ years providing 401(k) investment advice. A 401(k) investor I contacted last Spring.Told me he was “a long-term...
What Your 401(k) Mutual Funds Are Betting On
Most 401(k) investors think their 401(k) mutual funds.Diversify their stock market risk.The truth is not the case. Most 401(k) mutual funds are giant bets.On the same handful of stocks. A typical 401(k) mutual fund holds 50–75 stocks.But the top 10 often make up more...
